Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$146,430Cash toward the purchase price.
Closing costs + prepaids$9,417Not just lender fees.
Before credits & paid funds$155,847The complete starting cash picture.
Estimated remaining funds due at closing
$155,847No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,429.91
Your down payment$146,429.91
Closing costs + prepaids$9,417.06
Total buyer cash needed$155,846.97
Remaining funds due$155,846.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$707.00
Prepaid interest, first (28 days)$235.06
Fees + prepaids$9,417.06
Your down payment is the seller’s equity. You take over the $78,570 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $155,846.97 is due at closing. Uses and sources reconcile at $234,417.06 each. Not a Closing Disclosure.